5 canonical passages across 4 cases, quoted by 47 opinions in total. These passages cluster together because the same opinions keep quoting them side by side — they state parts of one doctrine. The anchor passage is from Auto-Owners Insurance v. Churchman.
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Auto-Owners Insurance v. Churchman Anchor | green | “exclusionary clauses in insurance policies are strictly construed in favor of the insured.” | 21 |
| 2 | Auto-Owners Insurance v. Harrington | green | “interpretation of an insurance policy ultimately requires a two-step inquiry: first, a determination of coverage according to the general insurance agreement and, second, a decision regarding whether an exclusion applies to negate coverage.” | 10 |
| 3 | Auto-Owners Insurance v. Churchman | green | “determine what the agreement was and effectuate the intent of the parties.” | 8 |
| 4 | Group Insurance v. Czopek | green | “the exclusions to the general liability in a policy of insurance are to be strictly construed against the insurer” | 4 |
| 5 | Heniser v. Frankenmuth Mutual Insurance | green | “it is the insured's burden to establish that his claim falls within the terms of the policy,” | 4 |
A red or yellow flag on a member means the underlying case has negative treatment — for those, check the case page before relying on the passage.